Byline Bancorp (BY) FY 2025 Annual General Meeting June 03, 2025 09:30 AM ET Speaker0 T25 Annual Stockholders' Meeting of Byline Bancorp, Inc. I would now like to turn the conference over to Brooks Rennie, Byline's Head of Investor Relations. Please go ahead. Thank you, Drew. Good morning. I'm Brooks Rennie, Byline's Head of Investor Relations. I'd like to welcome you to the Annual Stockholders Meeting of Byline Bancorp Inc. I would like to make note that Brian Durant, Byline's Corporate Secretary, will be ...

风险提示：本文所提到的观点仅代表个人的意见，所涉及标的不作推荐，据此买卖，风险自负。 作者： 价投老菜鸟 来源：雪球 本周，包括四大行、股份行在内的各家银行都发布了一季报，在整个行业衰退的背景下，备受关 注的招、平、兴三家的Q1业绩如何？鄙人不才，在此分享个人的一些理解，以期抛砖引玉。 本篇将从资产质量、负债结构及付息率、资产结构及收益率、盈利能力、估值及安全边际五个角 度展开，以观察招、平、兴的经营状态。 一．资产质量 鄙人并没有能力分析其他资产（金融投资等）的质量，所以我主要关注贷款质量。 | 贷款质量(招商银行) | 2024/12/31 | | 2025/3/31 | | | --- | --- | --- | --- | --- | | | 余额/自万 | 占比 | 余额/自万 | 占比 | | 正常贷款 | 6,733,625.00 | 97.75% | 6.961.541.00 | 97.70% | | 关注贷款 | 89.080.00 | 1.29% | 97.195.00 | 1.36% | | 不良贷款 | 65.610.00 | 0.95% | 66.743.00 | 0.94% | | ...

Investment Rating - The report maintains an "Accumulate" rating for the company with a target price of RMB 17.66 [8][10]. Core Views - The company demonstrates strong profitability with a year-on-year increase in net profit and operating income of 17.3% and 2.2% respectively for Q1 2025, maintaining a high annualized ROE of 20.60% [1]. - Credit growth remains robust, with total assets, loans, and deposits increasing by 15.9%, 14.3%, and 21.1% respectively as of March 2025 [2]. - Non-interest income continues to grow, with a 22.2% increase in fee-based income, contributing to 14.1% of total revenue [3]. - Asset quality remains stable, with a non-performing loan ratio of 0.76% and a provision coverage ratio of 530% as of March 2025 [4]. - The company is projected to achieve a net profit of RMB 19.55 billion in 2025, reflecting a growth rate of 15.1% [5]. Summary by Sections Profitability and Growth - The company reported a net profit of RMB 19.55 billion for 2025, with a projected growth of 15.1% [5]. - The annualized ROE and ROA for Q1 2025 are 20.60% and 1.11% respectively, indicating strong profitability [1]. Credit and Asset Quality - As of March 2025, total assets, loans, and deposits grew by 15.9%, 14.3%, and 21.1% respectively compared to the end of 2024 [2]. - The non-performing loan ratio stands at 0.76%, with a provision coverage ratio of 530%, indicating solid asset quality [4]. Non-Interest Income and Cost Management - Non-interest income decreased by 5.4% year-on-year, while fee-based income increased by 22.2%, contributing to a higher proportion of total revenue [3]. - The cost-to-income ratio improved to 23.7%, reflecting operational efficiency [3]. Capital and Valuation - The capital adequacy ratio and core tier 1 capital ratio are 14.05% and 9.01% respectively, showing a healthy capital position [4]. - The target price of RMB 17.66 corresponds to a price-to-book ratio of 0.91 for 2025, indicating a premium valuation compared to peers [5].

以下文章来源于征探财经 ，作者征探君 征探财经 . 资本市场的征探君。把征探财经设置为星标，不会错过每篇文章哦～～ 来源丨征探财经 作者丨五仁 4月22日，上海银行（601229.SH）发布公告称，公司董事会收到董事长金煜的辞呈。因年龄原因，金煜辞去公司董事长、执行董事、董事会战略委 员会主任委员职务，辞任后不再担任公司任何职务。在新任董事长任职之前，由公司副董事长施红敏履行董事长及法定代表人职责。 同日，上海银行官方公众号上银微动态发文称，4月22日，上海银行召开领导班子调整宣布会顾建忠同志任上海银行股份有限公司党委书记，并提名 任董事长；金煜同志不再担任上海银行股份有限公司党委书记、董事长职务。 资料显示，金煜现年60岁，2015年6月出任上海银行董事长，至今已10年。顾建忠则是上海银行老将，曾在上海银行工作17余年，历任上海银行多 个部门高管；2018年底又出任上海农商行（601825.SH）行长，推动其在A股上市。 近几年，上海银行从曾经的城商行"二哥"滑落至第四，2022年、2023年其营收分别下滑5.54%、4.8%，到2024年才重回正增长。同时，上海银行 还多次被行政处罚，顾建忠执掌之下，上海 ...